ENROLLED
2015 Regular Session
HOUSE CONCURRENT RESOL UTION NO. 223
BY REPRESENTATIVE HUVAL
A CONCURRENT RESOL UTION
To urge and request the Louisiana Department of Insurance to study the feasibility of
drafting a uniform certificate of insurance and to report its findings on or before
January 15, 2016.
WHEREAS, R.S. 22:890 allows an insurer or insurance producer to issue a certificate
of insurance to a third person as evidence of property and casualty insurance coverage; and
WHEREAS, R.S. 22:890 provides that the certificate of insurance shall be issued on
a form filed with and approved by the commissioner of insurance; and
WHEREAS, R.S. 22:890 provides that standard certificates of insurance forms
promulgated by the Association for Cooperative Operations Research and Development
(ACORD), the American Association of Insurance Services (AAIS), or the Insurance
Services Office (ISO) shall be filed, but are deemed approved by the commissioner of
insurance, provided these forms comply with the provisions of R.S. 22:890; and
WHEREAS, insurers typically require producers to complete the certificate of
insurance and any supplemental forms requested by third parties; and
WHEREAS, producers are often requested by the certificate of insurance, or in
conjunction with the certificate of insurance, to provide an interpretation of the terms and
conditions of an insurance policy that the producers are not able to properly answer, which
could lead to potential liability of the producers; and
WHEREAS, the commissioner of insurance is authorized to prescribe forms in other
areas, such as R.S. 22:1295, which provides that the rejection, selection of lower limits, or
selection of economic-only uninsured and underinsured motorist coverage shall be made
only on a form prescribed by the commissioner of insurance, resolving the sometimes
contentious issue of whether an insurer's uninsured motorist selection form complied with
the requirements of R.S. 22:1295.
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THEREFORE, BE IT RESOLVED that the Legislature of Louisiana does hereby
request the Department of Insurance to conduct a study on the information currently required
by a certificate of insurance and any additional information being requested by third parties
in conjunction with certificates of insurance and recommend possible amendments to R.S.
22:890 based on the findings of this study, including whether the commissioner of insurance
should be authorized to draft a uniform certificate of insurance that would include the
additional information being requested from producers by insurers.
BE IT FURTHER RESOLVED that the Department of Insurance shall submit its
findings and recommendations from the study in the form of a report to the House
Committee on Insurance and the Senate Committee on Insurance on or before January 15,
2016.
SPEAKER OF THE HOUSE OF REPRESENTATIVES
PRESIDENT OF THE SENATE
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